Emily is a 42-year-old married woman. She has two children who are between 9 and 13 years old. She describes herself to be a go-getter and an honest woman. She operates a retail store where she sells clothing materials. She has been involved in this business for four years and employs two staff members. Her business is located in a viable business environment and her primary customers are local residents.
In addition, Emily runs two other businesses: poultry and selling fish. She describes her biggest business challenge to be stiff competition within the area. She will use the KES 80,000 loan to purchase clothing material to sell. Emily has five prior loans, which she managed to repay well. Her business goal is to run a poultry wholesale business within five years. She hopes that in the future, she will improve the living standard of people by providing clothes .